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Misconception #1: “I won’t run out of money — I don’t want or need guaranteed income.” The Alliance for Lifetime Income reports 51% of consumers feel they do not have enough retirement savings to last their lifetime, and 32% are not confident they will have enough to cover basic monthly expenses. 1...

Brokers and financial advisors offer different services, compensation models and standards of care. We all want our savings and investments to grow and help us accomplish our financial goals. Whether you want to buy a home, generate income, open a business, give to a good cause, help your children...

Read about the common misconceptions RIAs have about annuities, and the truth behind them.

Annuities deliver guaranteed retirement income, but misconceptions hold some people back. 1 Many people who are heading into retirement have questions about how to turn their retirement savings into the income they’ll need for retirement. While there are a variety of retirement income strategies...

Think Advisor Time for RIAs to Rethink Insurance At a recent conference of financial planners who strongly consider themselves fiduciaries, I explained the benefit of tax-favored longevity insurance using a qualified longevity annuity contract (QLAC). I even called them a “no brainer” when building...

In 2023, Major League Baseball implemented rule changes designed to improve the game for players and fans. This year, MLB is adjusting those rules to make sure they accomplish what was intended. 1 A similar thing is happening in financial services. The financial industry has been making changes to...

4 Approaches To Managing Sequence Of Returns Risk In Retirement Attempting to sustain a fixed living standard using distributions from a portfolio of volatile assets is an inefficient retirement income strategy. This is a unique source of sequence risk. Four general techniques for managing sequence...

Sure, annuities can deliver guaranteed retirement income, but they can do a lot more. Annuities are versatile tools in a financial plan. While they may be best known for providing guaranteed retirement income, annuities can do a lot more. For instance, annuities can help investors: 1. Earn more...

When investors are nervous about the future, annuities can provide protection and peace of mind. Presidential election years are filled with charged rhetoric and spin. Political posturing often creates uncertainty as Americans contemplate what the country would look like if the other party won...

Annuities can help reduce risks associated with longevity and cognitive decline. Note: This is the first article in a two-part series that discusses strategies for managing key retirement risks, including longevity, cognitive decline, and market downturns. In some ways, retirement planning is like...